Investment Strategies

We design our portfolios based upon four fundamental principles when choosing equities: fundamental analysis, technical analysis, strategic allocation, and tactical allocation. Researching daily the domestic and international markets using a wide variety of public sources, published research papers, and sources such as Dorsey Wright Associates, Ned Davis, (SEE OTHERS OFFERED through Schwab) we develop portfolios that we believe achieve our investors goals of achieving growth while maintaining acceptable levels of risk.

While domestic and international equity and bond markets have historically rewarded patient investors, we recognize and carefully explain to all of our clients the risks that are inherent in investing, and design portfolios with each individual investors risk tolerance and growth assumptions imbedded in our decisions.

Although the “buy and hold’ strategy has proven beneficial over time, not everyone has the time or patience to stay with this strategy. One reason is that we all travel from being initial “accumulators” during our working years, and eventually reach the “distribution” phase, where a regular income stream is required from our portfolios. Thus our portfolios will transition over time, and a portfolio that may have started as an 80 percent equity and 20 percent fixed income, will inevitably transition to a more conservative allocation over time to a 60/40 or 50/50 allocation.

Income needs and risk tolerance are factored into each client’s portfolio, as we blend a combination of active management and passive management through the use, predominately, of exchange traded funds (aka ETFs) and mutual funds. We invite our clients to be involved in the choice of investments, and offer the option of separately managed accounts (aka SMAs) to those who prefer to hold individual equites.

Therefore you will find that we are flexible in design portfolios for our clients, but equally laser focused on creating a portfolio that is reflective of our clients goals both short term and long term.